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FDIC now offers insurance coverage up to $250,000.00 per customer. To learn more contact us or visit FDIC online at www.fdic.gov for more info.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to and separate from the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTA's"). It does not include other accounts, such as traditional checking or demand accounts that may earn interest, NOW Accounts and money-market deposit accounts.

For more information about temporary FDIC insurance coverage accounts, visit www.fdic.gov.


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First Bank of Coastal Georgia

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IMPORTANT NOTICE

First Bank of Coastal Georgia is a full service bank and is here to help you with any of your financial needs, whether it is a deposit account or if you need a loan. As a community bank we can help with a variety of loan products.

We now offer residential mortgage loans for your short term needs or regular mortgage products, from 15 to 30 years and at fixed rates. Rates are at all time lows and we would like to help you lower your existing home payments or to purchase that new home.

If you would like to explore your options with these products, please do not hesitate to call or stop by to talk to one of our loan officers in either of our Pembroke or Richmond Hill locations.

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